PM Yojana Wala Com:- The Modi government has introduced numerous welfare schemes to uplift economically weaker sections and improve their standard of living. These initiatives aim to provide essential facilities and financial support to the poor, ensuring their participation in the country’s growth story.
From opening bank accounts under the Jan Dhan Yojana to offering housing assistance through the Pradhan Mantri Awas Yojana, these schemes have transformed the lives of millions. Let’s explore the ten major initiatives by the central government and how they benefit the needy.
Table of Contents
PM Yojana Wala Com
Launched on September 17, 2023, on PM Narendra Modi’s 73rd birthday, the PM Vishwakarma Yojana is tailored for traditional artisans and craftsmen. With a budget of ₹13,000 crores, the scheme focuses on empowering artisans by providing them:
- Vishwakarma Certificate and ID Card
- Interest-free loans of up to ₹1 lakh in the first phase.
- ₹2 lakh loans at a concessional 5% interest rate in the second phase without any collateral.
The scheme will run from 2023 to 2028, aiming to enhance traditional skills and create sustainable livelihoods.
Pradhan Mantri Awas Yojana (PMAY)
This scheme provides financial aid for building homes to the urban and rural poor.
- PMAY-Gramin: Financial assistance of ₹1.3 lakhs for rural areas.
- PMAY-Urban: Up to ₹1.2 lakhs for urban housing, with state government assistance raising it to ₹2.5 lakhs.
With over 4 crore houses already constructed, this initiative is a lifeline for countless families.
Jan Dhan Yojana
The Jan Dhan Yojana ensures financial inclusion by offering zero-balance bank accounts. Key benefits include:
- Access to cheque books, passbooks, and accident insurance.
- Overdraft facility of ₹10,000.
This scheme connects underprivileged individuals with formal banking systems, making financial transactions seamless.
PM Garib Kalyan Anna Yojana
Initiated during the COVID-19 pandemic in March 2020, this scheme provides free food grains to 80 crore beneficiaries. Under the initiative:
- Each person gets 5 kg of wheat or rice monthly at no cost.
- Extended until December 2023, it ensures food security for the most vulnerable populations.
PM Kisan Samman Nidhi Yojana
Farmers receive ₹6,000 annually under this scheme, credited directly into their bank accounts in three installments. This financial aid supports small and marginal farmers in improving their agricultural productivity.
Ayushman Bharat Yojana
As the world’s largest health insurance scheme, Ayushman Bharat Yojana provides:
- Free treatment coverage up to ₹5 lakhs per family per year.
- Coverage for medicines, hospitalization costs, and diagnostics.
Cardholders can avail themselves of services at both public and empaneled private hospitals.
Ujjwala Yojana
Launched in May 2016, the Ujjwala Yojana aims to provide clean cooking fuel to women in BPL households. Key highlights include:
- Free LPG connections for eligible families.
- Subsidized rates for up to 12 cylinders annually, with the subsidy credited directly to bank accounts.
To date, over 9.59 crore households have benefited from this initiative.
PM Suraksha Bima Yojana
This affordable accident insurance scheme is available to individuals aged 18-70 years.
- Annual premium: ₹20.
- Coverage: ₹2 lakhs for accidental death or disability.
Launched in 2015, the scheme ensures financial security for families in times of crisis.
PM Jeevan Jyoti Bima Yojana
Designed to provide life insurance, this scheme covers individuals aged 18-55 years.
- Annual premium: ₹436.
- Coverage: ₹2 lakhs in case of death.
The premium is auto-debited from the bank account, ensuring seamless enrollment.
Atal Pension Yojana (APY)
This pension scheme targets workers in the unorganized sector. Features include:
- Monthly pension ranging from ₹1,000 to ₹5,000 post-retirement (based on contributions).
- Enrollment age: 18-40 years.
With APY, the government ensures financial security for the elderly in their non-working years.
How to Apply Online for These Schemes
The central government has streamlined the application process for these schemes through online portals. For instance:
- PM Vishwakarma Yojana: Beneficiaries can apply via the official website for registration and certificates.
- PMAY: Applications are accepted through the rural and urban PMAY websites.
By digitizing the process, the government has made these schemes accessible to everyone.
Nari Shakti Yojana Online Registration
The Nari Shakti Yojana is a flagship scheme aimed at empowering women by providing them with financial support, training, and resources to enhance their socio-economic status. Women interested in benefiting from this scheme can complete the online registration process through the official portal. The process typically involves filling out an application form, uploading required documents, and meeting the eligibility criteria, which may vary by state.
Manbhavan Yojana
Manbhavan Yojana is a welfare scheme designed to improve the living standards of economically weaker sections by providing them access to subsidized essentials, financial aid, or healthcare benefits. This scheme primarily focuses on ensuring that vulnerable communities have access to a dignified life. Its implementation and benefits differ across states.
Pradhan Mantri Yojana
Pradhan Mantri Yojanas are a series of central government schemes launched to address various socio-economic challenges in India. These include initiatives such as housing for all, health insurance, financial inclusion, agricultural support, and more. Prominent examples are the Pradhan Mantri Awas Yojana (PMAY), Ayushman Bharat, and PM Kisan Samman Nidhi. These schemes aim to uplift the economically weaker sections and improve their quality of life.
PM Yojana Adda
PM Yojana Adda is an online platform dedicated to providing information about various government schemes, particularly those initiated under the leadership of the Prime Minister. The portal acts as a one-stop resource for updates, application procedures, and benefits of schemes like PM Kisan, Ayushman Bharat, and more. It aims to guide citizens in availing of government benefits efficiently.
Mukhyamantri Nari Shakti Yojana Maharashtra
The Mukhyamantri Nari Shakti Yojana in Maharashtra focuses on empowering women through skill development, financial aid, and social support. It aims to reduce gender disparities and enhance women’s participation in economic activities. The scheme offers benefits like training programs, credit facilities, and financial assistance to women entrepreneurs, especially from underprivileged backgrounds.
Manbhavan Yojana Online Apply
Citizens can apply for the Manbhavan Yojana online by visiting the official government portal. The application process involves submitting personal details, eligibility proofs, and documents to access the scheme’s benefits. This digital initiative ensures a seamless and transparent process, enabling more beneficiaries to connect with government support.
Nari Shakti Yojana Online Registration Maharashtra
In Maharashtra, the Nari Shakti Yojana has been tailored to meet the unique needs of the state’s women population. The online registration process allows eligible women to apply for benefits such as financial aid, self-employment support, and skill development programs. The government ensures that the process is user-friendly to encourage maximum participation.
Manbhavan Yojana Uttar Pradesh
The Manbhavan Yojana in Uttar Pradesh is a welfare initiative aimed at improving the lives of underprivileged individuals and families. It provides access to essential services like healthcare, education, and livelihood support. The scheme is an integral part of the state government’s effort to uplift marginalized communities and ensure inclusive growth.
Conclusion
The Modi government has consistently focused on uplifting the poor and economically weaker sections through innovative and inclusive welfare schemes. From housing and healthcare to financial inclusion and skill development, these initiatives cater to diverse needs, ensuring holistic development and empowerment.
Explore these schemes and take advantage of the benefits they offer to improve your standard of living.